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Great Southern Bancorp (GSBC)
NASDAQ:GSBC
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Great Southern Bancorp (GSBC) AI Stock Analysis

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GSBC

Great Southern Bancorp

(NASDAQ:GSBC)

Rating:78Outperform
Price Target:
$69.00
▲(16.28%Upside)
Great Southern Bancorp's overall stock score is driven by strong financial performance and solid corporate events. While technical analysis and valuation support the score, potential challenges in deposit trends and future margin pressures slightly temper the outlook.

Great Southern Bancorp (GSBC) vs. SPDR S&P 500 ETF (SPY)

Great Southern Bancorp Business Overview & Revenue Model

Company DescriptionGreat Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, construction loans, commercial business loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, including automobile loans, boat loans, home equity loans, loans secured by savings deposits. It also provides insurance and merchant banking services. As of December 31, 2021, the company operated 93 retail banking centers and approximately 200 automated teller machines in Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas; and six commercial and one mortgage loan production offices in Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix and Tulsa, Oklahoma, Springfield, and Missouri. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.
How the Company Makes MoneyGreat Southern Bancorp generates revenue primarily through interest income earned from its loan portfolio, which includes commercial, residential, and consumer loans. Additionally, the company earns non-interest income from service charges on deposit accounts, mortgage banking income, and fees from investment advisory and brokerage services. The bank also benefits from strategic partnerships with other financial service providers to enhance its product offerings. Key factors contributing to its earnings include effective risk management practices, a focus on maintaining a high-quality loan portfolio, and expanding its market presence through organic growth and acquisitions.

Great Southern Bancorp Earnings Call Summary

Earnings Call Date:Jul 16, 2025
(Q2-2025)
|
% Change Since: 0.27%|
Next Earnings Date:Oct 15, 2025
Earnings Call Sentiment Neutral
The earnings call for Great Southern Bancorp, Inc. reflects a generally stable financial performance with improved net income, a higher net interest margin, and strong capital position. However, challenges such as a decline in the loan portfolio, a decrease in total deposits, and reduced noninterest income were noted. The upcoming end of a beneficial interest rate swap may present future margin pressures.
Q2-2025 Updates
Positive Updates
Increased Net Income
Net income for the quarter was $19.8 million or $1.72 per common share, up from $17 million or $1.45 per share in the same quarter a year ago.
Improved Net Interest Margin
Annualized net interest margin improved to 3.68%, 25 basis points above the level from a year ago and 11 basis points higher than the first quarter of 2025.
Noninterest Expense Reduction
Noninterest expenses for the quarter were $35 million, down $1.4 million from the $36.4 million in the year ago quarter.
Strong Capital Position
Total stockholders' equity increased to $622.4 million, representing 10.6% of total assets and a book value of $54.61 per common share.
Decreased Nonperforming Assets
Nonperforming assets were $8.1 million, representing 0.14% of total assets, a $1.5 million decrease from March 31, 2025.
Negative Updates
Loan Portfolio Decline
Gross loans totaled $4.6 billion, a decline of $157 million or 3.3% from the $4.76 billion at the end of the year.
Decrease in Total Deposits
Total deposits decreased $73.9 million or 1.6% from the end of the first quarter of 2025 to $4.68 billion.
Decline in Noninterest Income
Noninterest income for the quarter totaled $8.2 million, a decrease of $1.6 million or 16.5% compared to the second quarter last year.
Upcoming Margin Pressure
The benefit from a terminated interest rate swap will cease after the third quarter of 2025, potentially impacting future interest income.
Company Guidance
During the Great Southern Bancorp, Inc. Second Quarter 2025 Earnings Call, the company reported a net income of $19.8 million, or $1.72 per common share, reflecting an increase from $17 million, or $1.45 per share, in the same period last year. The net interest income rose to $51 million, representing an 8.9% increase from the previous year, while the annualized net interest margin improved to 3.68%, up by 25 basis points year-over-year and 11 basis points from the first quarter of 2025. Loan portfolio quality remained strong, with nonperforming assets at $8.1 million, or 0.14% of total assets, and net recoveries on loans of $111,000. Total deposits decreased by $73.9 million to $4.68 billion, primarily due to a reduction in broker deposits, yet increased by $78.6 million compared to December 31, 2024. Noninterest expenses were managed effectively, decreasing to $35 million, with a favorable efficiency ratio of just over 59%. The company also highlighted disciplined expense management and strategic focus on maintaining strong credit quality and shareholder value amidst a competitive market environment.

Great Southern Bancorp Financial Statement Overview

Summary
Great Southern Bancorp demonstrates strong financial health across all major financial statements. The company benefits from consistent revenue and profit growth, efficient operations, and effective cash flow management. With a stable balance sheet and low leverage, it is well-positioned for future growth. However, modest growth in stockholders' equity may present challenges for leveraging future opportunities.
Income Statement
82
Very Positive
Great Southern Bancorp has shown consistent revenue growth with a notable increase of 2.3% in the TTM compared to the previous annual period. The gross profit margin is robust at approximately 62.1%, indicating effective cost management. Net profit margin stands at 18.3%, reflecting strong profitability. The EBIT and EBITDA margins are healthy at 22.5% and 24.8%, respectively, highlighting operational efficiency.
Balance Sheet
78
Positive
The company maintains a low debt-to-equity ratio of 0.29, which suggests prudent financial leverage. The equity ratio is 10.2%, indicating a stable capital structure. ROE is solid at 10.7%, reflecting efficient use of equity to generate profits. However, stockholders' equity has seen modest growth, which may limit future leverage opportunities.
Cash Flow
85
Very Positive
Free cash flow has grown significantly by 104.3% in the TTM, reflecting strong cash generation capabilities. Operating cash flow to net income ratio is 1.31, indicating effective conversion of earnings to cash. The free cash flow to net income ratio is 1.22, demonstrating robust free cash flow generation relative to net income.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue355.26M326.91M261.12M236.99M252.75M
Gross Profit216.99M226.37M227.57M222.00M196.32M
EBITDA84.45M94.66M103.88M105.50M85.17M
Net Income61.81M67.80M75.95M74.63M59.31M
Balance Sheet
Total Assets5.98B5.81B5.68B5.45B5.53B
Cash, Cash Equivalents and Short-Term Investments195.76M689.54M659.11M1.22B978.66M
Total Debt166.34M172.81M189.64M101.60M175.69M
Total Liabilities5.38B5.24B5.15B4.83B4.90B
Stockholders Equity599.57M571.83M533.09M616.75M629.74M
Cash Flow
Free Cash Flow39.14M73.40M46.47M79.24M37.70M
Operating Cash Flow44.06M80.70M66.58M84.98M46.05M
Investing Cash Flow-175.39M-88.21M-801.28M190.71M-131.35M
Financing Cash Flow115.75M50.32M185.95M-122.15M428.87M

Great Southern Bancorp Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price59.34
Price Trends
50DMA
58.22
Positive
100DMA
56.53
Positive
200DMA
57.92
Positive
Market Momentum
MACD
0.54
Positive
RSI
48.72
Neutral
STOCH
29.60
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GSBC, the sentiment is Neutral. The current price of 59.34 is below the 20-day moving average (MA) of 60.67, above the 50-day MA of 58.22, and above the 200-day MA of 57.92, indicating a neutral trend. The MACD of 0.54 indicates Positive momentum. The RSI at 48.72 is Neutral, neither overbought nor oversold. The STOCH value of 29.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GSBC.

Great Southern Bancorp Risk Analysis

Great Southern Bancorp disclosed 34 risk factors in its most recent earnings report. Great Southern Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Great Southern Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$682.57M10.1511.48%2.70%4.50%16.92%
74
Outperform
$651.57M13.936.92%17.31%251.27%
71
Outperform
$672.60M10.5614.39%3.08%3.13%-1.53%
71
Outperform
$692.99M13.048.24%4.10%18.13%4.86%
70
Outperform
$688.80M13.266.84%4.10%7.82%170.93%
62
Neutral
AU$10.00B9.0111.83%4.87%33.36%41.81%
51
Neutral
$493.63M-2.63%5.82%-2.37%15.33%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GSBC
Great Southern Bancorp
59.34
-2.04
-3.32%
CAC
Camden National
41.00
2.56
6.66%
EGBN
Eagle Bancorp
16.25
-4.73
-22.55%
HBNC
Horizon Bancorp
15.62
0.39
2.56%
IBCP
Independent Bank
32.46
-0.79
-2.38%
NBBK
NB Bancorp, Inc.
18.46
>-0.01
-0.05%

Great Southern Bancorp Corporate Events

Financial Disclosures
Great Southern Bancorp Reports Q2 2025 Earnings Growth
Positive
Jul 17, 2025

Great Southern Bancorp reported preliminary second-quarter 2025 earnings of $1.72 per diluted common share, reflecting a net income of $19.8 million, up from $1.45 per share and $17.0 million in the same period last year. The company saw an 8.9% increase in net interest income due to lower interest expenses, alongside a decrease in non-performing assets and strong capital and liquidity positions, which supported strategic growth opportunities and shareholder value returns.

The most recent analyst rating on (GSBC) stock is a Hold with a $60.00 price target. To see the full list of analyst forecasts on Great Southern Bancorp stock, see the GSBC Stock Forecast page.

Business Operations and StrategyFinancial Disclosures
Great Southern Bancorp Reports Diverse Loan Portfolio
Neutral
Jul 16, 2025

As of June 30, 2025, Great Southern Bancorp reported a diverse loan portfolio totaling $4.61 billion, with significant allocations in multi-family and commercial real estate sectors. The company’s strategic regional presence, particularly in St. Louis and Texas, highlights its focus on expanding its market share in key areas, which could impact its competitive positioning and stakeholder interests.

The most recent analyst rating on (GSBC) stock is a Hold with a $61.00 price target. To see the full list of analyst forecasts on Great Southern Bancorp stock, see the GSBC Stock Forecast page.

Dividends
Great Southern Bancorp Declares Quarterly Dividend
Positive
Jun 18, 2025

On June 18, 2025, Great Southern Bancorp, Inc. announced a quarterly dividend of $0.40 per common share for the second quarter of 2025, marking the 142nd consecutive quarterly dividend. This dividend will be payable on July 15, 2025, to stockholders of record as of June 30, 2025, reflecting the company’s ongoing commitment to returning value to its shareholders.

The most recent analyst rating on (GSBC) stock is a Hold with a $61.00 price target. To see the full list of analyst forecasts on Great Southern Bancorp stock, see the GSBC Stock Forecast page.

Executive/Board ChangesShareholder MeetingsBusiness Operations and Strategy
Great Southern Bancorp Holds 2025 Annual Stockholders Meeting
Neutral
May 13, 2025

On May 7, 2025, Great Southern Bancorp, Inc. held its 2025 Annual Meeting of Stockholders where a quorum was present. The meeting resulted in the election of three directors for a three-year term, approval of executive compensation, and ratification of Forvis Mazars, LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025. These decisions reflect the company’s ongoing governance and operational strategies, potentially impacting its market positioning and stakeholder relations.

The most recent analyst rating on (GSBC) stock is a Hold with a $61.00 price target. To see the full list of analyst forecasts on Great Southern Bancorp stock, see the GSBC Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 19, 2025